Privacy Policy

FACTS WHAT DOES SARATOGA'S COMMUNITY FEDERAL CREDIT UNION DO
WITH YOUR PERSONAL INFORMATION?

 

 

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

 

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • account transactions and credit history
  • income and payment history

When you are no longer our member, we continue to share your information as described in this notice.

 

 

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Saratoga's Community Federal Credit Union chooses to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information Does Saratoga's
Community Federal
Credit Union share?		 Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal
investigations, or to report to credit bureaus		 Yes No
For our marketing purposes –
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don’t share
For nonaffiliates to market to you No We don’t share

 

 

Questions? Call 518.583.2323 or go to www.saratogafcu.org


 

 

What we do
How does Saratoga's
Community Federal Credit Union protect my personal
information?		 To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does Saratoga's
Community Federal Credit
Union collect my personal
information?

We collect your personal information, for example, when you

  • open an account or give us your income information
  • apply for financing or give us your contact information
  • give us your wage statements

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.


 

 

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Saratoga's Community Federal Credit Union has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Saratoga's Community Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.


 

 

Other important information